Interchange ++

More transparent card payments due to a detailed pricing model.

How Interchange ++ works

Every card transaction incurs fees that the merchant must pay. Compared to conventional price models, Interchange ++ entails more work for accounting but provides greater transparency. The costs are broken down into three separate components: interchange fee, system fee and acquirer fee.

With the Interchange ++ model, the interchange and system fees are passed on to the merchant directly. The acquirer cannot affect these rates.

What does Interchange ++ comprise?

Interchange fee
Due for every card transaction, this exchange fee is paid by the merchant bank (acquirer) to the customer’s bank (issuing bank). This is why it is also called the “issuer fee”.

System fee
Card organizations such as Visa or Mastercard® charge a fee for handling and processing each transaction; this fee may vary depending on the location, security of the transaction or card type.

Acquirer fee
A fixed fee is charged for the provision of a card service; this fee already covers the costs of service processing.


How Interchange ++ benefits you

Discover all the benefits compared to conventional pricing models.

Greater transparency

No hidden processing fees.

Reduced fees

Fewer total fees are charged.

The same rates apply to all transactions.

You know the fee from the start.

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